We provide specialist Care Home Insurance for residential and nursing care providers across the UK, supporting operators within one of the most highly regulated and risk-exposed sectors. With over 20 years’ experience, our team understands the operational, regulatory, and liability challenges faced by care home owners and directors.

 

Whether you operate a single care home or a multi-site group, we work closely with you to assess your risk profile, CQC status, staffing structure, and clinical exposure. This allows us to structure an insurance programme that is not only competitive, but aligned with regulatory expectations, lender requirements, and day-to-day operational realities.

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In this sector, claims can be particularly stressful and often involve multiple parties including regulators.  In the event of a claim, we will be with you at every step, with our team being supported by in-house consultants with real care sector experience that are also on hand to offer you advice and support throughout the process, all as part of your insurance placement with Oakmere Grosvenor.

 

Care homes operate under intense scrutiny, and insurance plays a critical role in protecting the business, its residents, and its leadership. We place cover with insurers who have a genuine understanding of the care sector, ensuring that policies respond appropriately to CQC / CIW enforcement action, safeguarding concerns, clinical allegations, and serious incidents.

 

A tailored Care Home Insurance programme can include:

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• Buildings & Contents

• Residents’ Effects

• Employers’ Liability

• Public & Products Liability

• Abuse & Molestation

• Medical Malpractice

• Treatment Risk / Malpractice

• Professional Indemnity

• Group Personal Accident

• Money & Fidelity

• Business Interruption

• Loss of Registration

• Directors’ & Officers’ Liability

• Legal Expenses

• Engineering Inspection (including passenger lifts, hoists, and lifting equipment)